Citizens Bank and Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.54 percentage points in Q2 2026, from 63.33% to 65.87%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank and Trust ranks 60th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 63.25% (Q2 2026). Citizens Bank and Trust reported 63.25% on loan-to-deposit ratio for Q2 2026, 24.95 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $555.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.4M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.25% |
| Net loans and leases to deposits | 62.55% |
| Loans and leases to core deposits | 65.87% |
| Core deposits to total deposits | 95.12% |
| Brokered deposits to total deposits | 0.90% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 56.93% | 98.58% | $17.2M | $40.0M |
| Q4 2023 | 57.16% | 98.30% | $15.0M | $28.0M |
| Q1 2024 | 56.50% | 97.41% | $12.3M | $0 |
| Q2 2024 | 57.79% | 96.49% | $9.2M | $3.0M |
| Q3 2024 | 59.88% | 96.43% | $15.4M | $23.0M |
| Q4 2024 | 60.23% | 94.85% | $9.9M | $0 |
| Q1 2025 | 59.82% | 96.22% | $13.2M | $0 |
| Q2 2025 | 62.94% | 95.87% | $9.9M | $0 |
| Q3 2025 | 60.83% | 95.75% | $12.9M | $0 |
| Q4 2025 | 62.60% | 95.52% | $5.3M | $0 |
| Q1 2026 | 61.05% | 94.93% | $6.9M | $0 |
| Q2 2026 | 63.25% | 95.12% | $6.4M | $0 |
Citizens Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)